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Testing the Homogeneity of Non-Adopters of Internet Banking

Author

Listed:
  • Serener, Berna

    (European University of Lefke)

Abstract

Non-adopters of internet banking is not a homogenous group. In this study, non-adopters are divided into two groups: prospective adopters and persistent non-adopters. The aim of this paper is to analyse how the two non-adopter groups differ with regard to usage, image, tradition, risk and value barriers. Factor analysis is used to categorize the data into five barriers. Independent samples t-tests are used to reveal the differences between prospective adopters and persistent non-adopters of internet banking. The results of this study reveal that persistent non-adopters show more resistance to internet banking in relation to usage, image, tradition, risk and value barriers. The p-values indicate that the value barrier differentiates the groups the most, followed by usage, image, risk and tradition barriers. The results highlight the fact that psychological barriers are a greater cause of resistance than functional barriers.

Suggested Citation

  • Serener, Berna, 2019. "Testing the Homogeneity of Non-Adopters of Internet Banking," Business and Economics Research Journal, Uludag University, Faculty of Economics and Administrative Sciences, vol. 10(3), pages 699-708, May.
    • Handle: RePEc:ris:buecrj:0416
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    Citations

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    Cited by:

    1. Arif, Imtiaz & Aslam, Wajeeha & Hwang, Yujong, 2020. "Barriers in adoption of internet banking: A structural equation modeling - Neural network approach," Technology in Society, Elsevier, vol. 61(C).
    2. Faten Baklouti & Fayçal Boukamcha, 2024. "Consumer resistance to internet banking services: implications for the innovation resistance theory," Journal of Financial Services Marketing, Palgrave Macmillan, vol. 29(2), pages 364-376, June.
    3. Adriana Grigorescu & Oana Oprisan & Cristina Lincaru & Camelia Speranta Pirciog, 2023. "E-Banking Convergence and the Adopter’s Behavior Changing Across EU Countries," SAGE Open, , vol. 13(4), pages 21582440231, December.

    More about this item

    Keywords

    Internet banking; Non-adopters; Barriers; Homogeneity;
    All these keywords.

    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • L81 - Industrial Organization - - Industry Studies: Services - - - Retail and Wholesale Trade; e-Commerce
    • M31 - Business Administration and Business Economics; Marketing; Accounting; Personnel Economics - - Marketing and Advertising - - - Marketing

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